Hafiz Bros Travel & Money Transfer Ltd (hereinafter referred as ‘we’, ‘us’ and ‘our’) whose company registered in Scotland (Company Registration No: 300349). Hafiz Bros Travel & Money Transfer Ltd registered office is at 144 Calder Street Glasgow, G42 7QP. Hafiz Bros Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA No: 564945) under the Payment Services Regulations 2009 for the provision of payment services in the UK.

 

These Terms and Conditions govern the terms under which you may access and use this website and the services associated with it (together, the "Service"). By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions. If you do not wish to be bound by the Terms and Conditions do not access, register with or use the Service. The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English.

 

The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website. 

 

1. OUR OBLIGATIONS

 1.1-             Before agreeing to undertake a transaction we will provide you with the following information which we are obliged to provide to you:

-       The maximum total fee that the Sender will be charged by us, together with a breakdown where applicable.

-       An indication of the exchange rate that we will apply to your transaction, or the reference exchange rate upon which the actual exchange rate will be based.

-       Information on where the person should collect the money from and what they have to do, if it is to be made available in cash

-       An indication of the maximum time that it will take for the transaction to be completed – i.e. the time until funds will be available to the person to whom you are sending the money

-       Information on cancellation procedures and any charges for cancelling or amending a transaction 

1.2-             Once transaction is completed we will provide you with the following information:

-       A unique transaction reference number for your payment

-       Confirmation of the exact amount we are sending for you
-       We accept payments only in British Pounds (GBP).

-       The charges or fees that you have paid to us for this service, together with breakdown where applicable. This will be provided in GBP currency

-       The amount of the Transaction in the currency used in the payment order.

-       The amount of the Transaction in the currency in which the Recipient will receive the money.

-       The date on which we received the payment order from the Sender.

-       The exchange rate that has been applied to your transaction

-       Information on where the person to whom you are sending the money can collect it or confirmation of the bank to which the money has been sent

-       When the money will be available for the person to whom you are sending it and whether this timescale is definite or the best estimate that we can make

-       In the case of cash collections, what the beneficiary has to do in order to collect the money.

-       The procedure to follow if you have a need to query this transaction. We will advise you how long it will take us to provide an answer or an update.

 

2. YOUR OBLIGATIONS

2.1- You agree to pay our charges (if applicable) for each money transfer or other transaction which you initiate or request under the Service. Before we can perform any of Our Services for you, you must register with us. In order to complete your registration, you must provide us with all the details we require from you, including details relating to your identity and proof of address and any other information we may require from you to enable us to complete our anti money laundering procedures.

 

2.2- You will promptly supply us with all information and documentation which we may ask you for at any time to enable us to comply with any legal requirements on us relating to our Services.

 

2.3- The information the Sender needs to provide in order for the transaction to be executed:

 

- Beneficiary’s full name, phone number, account number, bank name.

 

- You may be required to present valid identification (“ID”) in order to complete the transaction. Furthermore, we may also require you to present further documentation and/or provide further information in order to complete the transaction.

 

2.4- You are responsible for the completeness and accuracy of all information you provide to us at any time, including any in your request and your nominated account details. You must always provide us with instructions in the English language.

 

2.5- We may request further information if necessary. 

2.6- You agree to pay us in GBP only.

 

3. CANCELLATION AND REFUNDS

3.1- Unless payment to the Beneficiary has already been made, we shall, within 15 Business Days, refund to you the amount to be transferred less applicable fees and service charges on the condition that you provide us a copy of a valid receipt and present valid ID. A receipt is not valid unless the corresponding transaction is processed through our computerised system and contains the computer generated imprint of the Correspondent’s name and address, and the correct order number.

 

3.2- If you exercise your right to cancel seven days after you have sent a money transfer order to us, we will reimburse any payments which you made to us before cancellation, but:

 

a)       We will not reimburse you if we have paid the money transfer to the recipient before we receive your notice of cancellation.

b)       We may make a cancellation charge if the reason for the return of the money is not caused by our part, only the net value of the transfer will be reimbursed. We will keep the commission previously charged. Reimbursed cannot exceed 10% of the total value of the payment including commission. If we cannot complete the transfer for any reason, we will immediately contact you in order to make the reimbursement.

         

 

3.3- Your right of cancellation under laws relating to contracts is in addition to your right as sender upon request to us to receive a refund of the principal amount of a money transfer (at our exchange rate applicable at the time the refund is made) if payment is not made to the recipient within 45 days.

 

3.4- If the beneficiary does not collect their transfer within 45 days, then all rights of cancellation or refund of the money transfer or commission will be waived.

 

 

4. LIABILITY

 

4.1- If an incorrectly executed transaction is made you must inform us on becoming aware of such a transaction and no later than 45 days after the date of the transaction otherwise we will not correct the transaction unless the information about the transaction was not provided or made available by us as required by law.

 

4.2- If you provide us with incorrect information in the Form regarding the Beneficiary, We will not be liable for the non-execution or the defective execution of the transaction. However, we will make all reasonable efforts to recover the Transfer. We may charge you for the recovery of the Transfer.

 

4.3- Except as provided below we shall not be liable for any amount in excess of the amount equal to the principal transfer amount and the fees paid by you. We accept no liability for services delays or any failure to perform the transaction in accordance with your instructions due to local regulations or circumstances outside its control. We will not be responsible for goods and services that may be paid for by a Transfer.

 

4.4- We are not liable to you for any loss or damage which you may incur:

 

i.            as a result of any breach by you of any of the provisions set out in clauses of these Terms and Conditions

ii.            as  a Legal requirements on us, including for Money Laundering,

4.5- Any requests for transaction received by a correspondent after 15:00 on a Business Day will be treated as requests received on the following Business Day.

 

5. RIGHTS OF THIRD PARTIES

 

A person who is not a party to the agreement will not have any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of the agreement.

 

6. CIRCUMSTANCES BEYOND OUR CONTROL

 

We are not liable to you if we are unable to perform any of our obligations to you or our performance of any of our obligations is delayed due to any circumstances outside of our reasonable control, including (without limitation) any industrial action, labour dispute, act of God, fire, flood or storm, war, riot, civil commotion, siege, security alert, act of terrorism or any resulting precautionary measures taken, act of vandalism, sabotage, virus, malicious damage, compliance with any statute, statutory provision, law, governmental or court order, the actions or instructions of the police or of any governmental or regulatory body which authorises us to perform Our Services, cut or failure of power, failure of equipment, systems or software or internet interconnectivity or the occurrence of any extraordinary fluctuation in any financial market that may materially adversely affect our ability to perform the Trade or your ability to fund the Trade. If any of these circumstances occur then the Contract shall be suspended for the period during which they continue or, at our discretion and in order to protect both you and us, we may terminate the Contract.

 

 

7. DATA PROTECTION

 

7.1- We will use the information provided by you to provide you with the Service and to manage its ongoing business relationship with you.

 

 7.2- We may disclose customer information if we are required to do so by law, by a court, by court order, to meet any statutory, legal or regulatory requirement on us, or by the police or any other law enforcement agency in connection with the prevention or detection of crime or to help combat fraud or money laundering.

 

7.3- You have a right to request a copy of personal information that we hold about you.

 

8. COMPLAINTS

 

We value all our customers and take our obligations seriously. We have established internal procedures for investigating any complaint that may be made against us in relation to any money transfer. In accordance with our complaints procedure, any complaint you may make relating to any Money Transfer must be made or confirmed to us in writing at Hafiz Bros Travel & Money Transfer Ltd, 144 Calder Street, Glasgow G42 7QP or by e-mail to info@hafizbros.com

 

. We shall investigate your concerns and respond to you promptly. If you are still dissatisfied following our response to any complaint, you may have a right to refer your complaint concerning the Money Transfer to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. If you would like further details of our complaints policy relating to money transfers please contact us at above.

 

 

9. GOVERNING LAW AND JURISDICTION

 

The agreement is to be construed in accordance with the law of United Kingdom and any dispute with respect to the agreement is to be subject to the exclusive jurisdiction of the English courts.

 

10. CONTACT US

 

 

Hafiz Bros Travel & Money Transfer Ltd’s Customer Services may be contacted by telephone on 0141 423 3037, by post at 144 Calder Street Glasgow, G42 7QP or by email at info@hafizbros.com 


1. I know and trust the person or company or organisation, which I am sending money to.
2. I know that the receiver is always required to show his/her valid photo ID to collect the payment.
3. I know the payment will be paid in cash and in the local currency of the destination country
4. I know the payment will be available to the receiver within the time specified [normally 48 hours], subject to the business hours of the destination country.
5. I know in limited circumstances; the payment may be subject to local taxes and service charges.
6. I know that once the payment has been paid out, cancellation or change in transaction is no longer possible.
7. In case of cash payment, the receiver must collect the payment within 45 days, after 45 days the company will not be responsible for the funds.
8. In case of bank transfer, the company is not responsible to clear the funds within time if the account details are not correct.
9. Cancellation/amendment in the transaction will take at least 24 hours to make the changes effective; it may take more time depending upon the circumstances.
10. In case of refunding the payment, the principal amount at the time of transfer will refund upon the request of the sender, the transfer fee will not be refunded.
11. Company will not be liable for non performance of the delays caused by acts of god, wars, riots, strikes, fires, floods, inevitable accidents, government restriction or other caused beyond control.
12. There may be some charges in case of any amendment or cancellation of the payment.
13. Your personal information is processed under the applicable law and always kept secret. The provided information and documents are checked in credit safe to ensure that the information/documents provided are valid not forged.
14. Applicable law prohibits money transmitters from doing business with certain individuals and countries. To comply with, we required to screen all transactions against list of name provided by the U.S treasury department’s office of foreign assets control (OFAC) and European Union. If a potential match is identified the customer is required to provide additional identification or information.
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